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@painkiller I recommend you sit down and talk with a few independent folks and a few who have the name of the company on the sign. You don't have to actually meet with them. Usually a quick phone call would be enough to get a feel for them. They should do some sort of asset analysis and then...

@dwfritz23 Ah! Ok. If the flipper only owned it three months, and the prior owner did not disclose claims, and the claims did not happen during the ownership of the flipper, then i am not sure if they would have known. This is especially true when the flipper paid cash for the property. If...

@painkiller If you're at that point, working with Geico seems odd. You should be working with an agent who can help you better than the lady on the phone at a call center. Love our call center folks, but if you're looking for an umbrella, you should do yourself the favour of sitting down with an...

@dwfritz23 Maybe I'm missing something, but what's the insurance question here other than that the information in question came from an insurance report? This seems more suited to a real estate sub? Flipper sub? maybe legal advice? I am not sure where, but we answer insurance questions here...

@theodorealexander The right to continue the employer plan at full out of pocket cost for up to 18 months. Why did your wife's employment end? Did she resign because she was unable to continue working? Because that is a prime use of FMLA which is protected and she would still have her insurance...

@resjudicata My apologies for WA being a bunch of overcharging bastards. I'm definitely seeing that from the agency side, and also from the "I'm putting a 300sf addition on my house" end. Also, I just bought an electric car. So that's fun. That's also way overpriced, but we didn't really have...

@tiglathpileser Oh you are not being singled out except for not having insurance for the last while. That's what is driving your rate up. You should see it drop after the first six months or year. Maybe both. Everyone else is also struggling with their car insurance math at the moment, too...

@theodorealexander Ah. Ok. Well, good luck.

@lollypopno1 You're stuck with GEICO until more than a couple of those claims age past at least three years, and maybe five. Nobody's going to touch you with a barge pole with that claims/accident history.

@theodorealexander Para or cert? And is it WA? And was she in a continuing contract? Not trying to dox. Conditions.are super specific in WA right now and budget cuts are causing a lot of what you are sharing.

@theodorealexander Was she rifed? Is she under contract or non-continuing? Usually benefits are for the year if continuing and will go through the summer because of the contract year. If not continuing, they would end at the end of the last paid month. Still look at the cost of cobra against...

@theodorealexander Oh man. In this situation I would be on cobra so fast it would make your head spin. Continuity of care and having already done five months of the year under this deductible are huge. You are going to blow through that out of pocket immediately upon giving birth and then...

@peinopela The people answering questions are usually much closer to the customers. I've been around for awhile and can say for certain that we do have actuaries. We do have carrier reps. We have TPA folks, and we have a variety of folks from the regulation space haunting the sub. I've even...